Federal credit union · Newark, New Jersey · NCUA charter #10803
Israel Memorial a M E
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $406K
- Total assets
- 186
- Members
- 41.2%
- Net-worth ratio
Israel Memorial a M E scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $406K; members 186; net-worth ratio 41.18%; health rank #3,849 of 4,374; healthier than 11th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,849 of 4,374 health · 2025Q4Israel Memorial a M E · health 65/100 · $406K · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Israel Memorial a M E vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Israel Memorial a M E sits in 65-69 with 275 others.
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Israel Memorial a M E vs Under $2M peers
- Strongest edge vs 243 Under $2M peers is Net Worth Ratio: +18.25 pp (41.18% vs 22.93%).
- Largest lag: Delinquency Rate at 12.04% vs peer 4.48% (+7.56 pp).
Israel Memorial a M E in New Jersey
- New Jersey health ordinal: #98 of 127.
- By total assets, Israel Memorial a M E is #126 of 127 in New Jersey.
- Member book place in New Jersey: #121 of 127.
- One place up in New Jersey, New Jersey Community (#97) scores 66/100, 1 point higher; one place down, TERMINALS (#99) ties at 65/100.
Israel Memorial a M E Call Report trajectory
Israel Memorial a M E: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $406K (2025Q4) to $412K (2026Q1).
- Net-worth ratio shifted +0.44 pp (40.74% → 41.18%).
41.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
Israel Memorial a M E gives up 35 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 11.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 41.18% | +18.25 pp |
| Delinquency Rate | 12.04% | +7.56 pp |
| Return on Assets | 1.76% | +1.54 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 53.54% | +0.84 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Israel Memorial a M E filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $412K | - |
| 2025Q4 | $406K | 186 |
| 2024Q4 | $379K | 186 |
| 2023Q4 | $341K | 183 |
Credit Union Details
- Charter Number
- 10803
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New Jersey
- City
- Newark
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Israel Memorial a M E.
| Office | City |
|---|---|
| Israel Memorial AME (Main Office) | Newark, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Israel Memorial a M E ranks #3,849 of 4,374 nationally on financial health and #98 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Camden Firemen's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Camden Firemen's
Frequently Asked Questions
Is Israel Memorial a M E financially healthy?
Israel Memorial a M E has a financial health score of 65/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,849 of 4,374 nationally on health and #98 of 127 in New Jersey. Its net worth ratio is 41.18% and its delinquency rate 12.04%.
How does Israel Memorial a M E compare to other credit unions?
Israel Memorial a M E scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is net worth ratio (41.18% vs 22.93%). Its widest shortfall is delinquency rate (12.04% vs 4.48%).
How can I join Israel Memorial a M E?
Israel Memorial a M E operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Israel Memorial a M E directly for the exact boundaries and application steps.
Is my money safe at Israel Memorial a M E?
Israel Memorial a M E is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Israel Memorial a M E's net worth ratio of 41.18% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.